Department of Labor filing
Spot something wrong?CUMMINS LABEL COMPANY INC
CUMMINS LABEL COMPANY 401(K) PLAN · For the plan year ended Dec 31, 2025
Public filing 2025 · received May 1, 2026Verified current terms Source dated Dec 31, 2025
Plan summary
What matters most
This plan has a competitive employer match and immediate vesting. Reported employer contributions rank below most comparable plans.
46Limited plan health
high confidence
high confidence
57%current benefits covered
4 of 7 fields
4 of 7 fields
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
For the primary plan, Cummins matches 100% of the first 1% contributed and 50% of the next 5%.
See reviewed source ↓At $100,000 of eligible pay, after contributing 6% to capture the full amount. Annual limits and eligibility rules may reduce it.
Employee and Cummins contributions are immediately vested.
Participant accounts can bear allocated administrative and investment expenses.
Participants direct company and employee contributions among the plan's available investments, including a Cummins stock fund.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How the score works →Still to verify: eligibility, automatic enrollment, Roth availability. These items stay out of the summary until a dated source confirms them.
What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Reviewed current terms appear below.
Filing comparison · 202520out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions11th percentileTypical peer $1,625 · based on 6,071 comparable plans
Lower reported administrative expense41st percentileTypical peer $112 · based on 5,774 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, CUMMINS LABEL COMPANY INC reported $949 in employer contributions across this plan, or $53 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $949 $53 per active participant
- Participant contributions
- $78,813
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- 1.2%
- Active participants
- 18 Small plan
- Total participants
- 19 19 at the beginning of the year
- Ending assets
- $3,376,635 $177,718 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $3,508,513
- Ending net assets
- $3,376,635
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $509,260
- Total expenses
- $641,138
- Administrative expenses
- $3,593 $189 per active participant
- Participant loans
- Not reported Not reported of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$53
2025
$189
2025
18
2025
$3,376,635
2025
Not reported
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $53 | 18 | 3.4M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- Not reported
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 381989706-002
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 1993
- Industry
- Industry group 32
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
11-K · report period Dec 31, 2025CUMMINS INC — 11-K filed 2026-05-22 ↗
Official filing · details not yet checkedWhat it says about employer contributions
d transfers with an affiliate plan.” Contributions Participants may contribute up to 50 percent of their eligible pay through a combination of pre-tax and after-tax contributions. Matching Contributions For the RSP, the Company matches participant contributions at 100 percent of the first 1 percent of participant’s eligible wages contributed plus 50 percent of the next 5 percent contributed. Additionally, the Retiree Medical contribution is a flat, one time dollar contribution that the employer makes annually to the RSP after an employee has completed two years of service to the Company. For the Certain Bargained RSP, the Company matches participant contributions using various formulas of participant’s eligible wages contributed to the specified limitations based on the participant’s emplo
What it says about vesting
n earnings are made daily and are based upon the participant’s weighted average account balance for the day, as described in the respective plan document. Vesting Participants are fully vested in all employee and employer contributions and earnings thereon at all times. 7 Table of Contents Benefit Payments Upon termination of employment or retirement, account balances are paid either as a lump-sum distribution or annual installments not to exceed the lesser of 15 years or the life expectancy of the participant and/or joint life expectancy of the participant and beneficiary, and commence no later than the participant reaching age 73 . The Plans also permit hardship withdrawals from participant pre-tax contributions and actual earnings thereon. Participants may also withdraw their after-tax
What it says about fees
13,879,995 Interest on notes receivable from participants 5,347,510 61,351 Total additions 1,649,029,505 16,265,589 Deductions Benefits paid to participants 523,234,100 17,273,295 Administrative expenses 3,916,273 58,529 Total deductions 527,150,373 17,331,824 Fund transfers with an affiliate plan 2,097,399 ( 2,097,399 ) Net change in net assets available for benefits 1,123,976,531 ( 3,163,634 ) Net assets available for benefits, beginning of year 6,366,370,789 115,656,140 Net assets available for benefits, end of year $ 7,490,347,320 $ 112,492,506 See accompanying notes to financial statements. 6 Table of Contents CUMMINS RETIREMENT AND SAVINGS PLAN AND CUMMINS RETIREMENT AND SAVINGS PLAN FOR CERTAIN COLLECTIVELY BARGAINED EMPLOYEES NOTES TO FINANCIAL STATEMENTS NOTE 1. DESCRIPTION OF THE
Verified plan terms
What dated primary sources say
These terms come from reviewed official sources. Blank items remain unknown rather than inferred.
- Employer contribution
- For the primary plan, Cummins matches 100% of the first 1% contributed and 50% of the next 5%. Contributing 6% therefore earns the maximum match equal to 3.5% of eligible pay. Collectively bargained formulas can differ.
- Eligibility
- Not stated in these sources
- Vesting
- Employee and Cummins contributions are immediately vested.
- Investment information
- Participants direct company and employee contributions among the plan's available investments, including a Cummins stock fund. The filing does not identify one universal default investment.
- Automatic enrollment
- Not stated in these sources
- Roth contributions
- Not stated in these sources
- Participant fees
- Participant accounts can bear allocated administrative and investment expenses. The plan reported $3.9 million in administrative expenses for 2025 but does not state one universal employee fee.
Source: Cummins Retirement and Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260501103948NAL0001630594001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗